Good reply. The institutional ownership in most other large banks exceeds 50% and if the institutional owners vote for a "merger", it's a done deal. In the case of BB&T with an institutional ownership of 29%, Allison would need to lobby a bit in order to get a simple majority and even harder to get a 66 or 75% majority, should a vote become necessary. I think there is a reason BB&T only has a 29% institutional ownership. Could it be because of their lack of growth in the past 7-8-9 years? Don't get me wrong, there is nothing wrong with BB&T or her management but the fact remains that their stock has not grown as fast as that of their competition. Forget the dividends, you can do better than that with a simple CD.